Systems and methods for providing merchant services with right-time creation and updating of merchant accounts. Merchant-specific information for each merchant is stored in a record and used to process purchase card transactions submitted by the merchant. When a user creates or updates a merchant account...http://www.google.com/patents/US7424455?utm_source=gb-gplus-sharePatent US7424455 - Method and systems for providing merchant services with right-time creation and updating of merchant accounts